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A SYSTEMATIC ANALYSIS OF SERVICE QUALITY AND CUSTOMERS' SATISFACTION IN URBAN CO-OPERATIVE BANKS BY SERVQUAL

Profile image of Dr. PRAKASH B A S A P P A KUNDARAGI

2021, Wesleyan Journal of Research

Purpose: This empirical research work has conducted to appraise the service's quality offered by the urban cooperative banks and accessible to its customers and effect on their satisfaction. It also aimed to analyse which dimension of SERVQUAL impacting more on customers' satisfaction. Design and Methodology: Four hundred (400) account holders were involved in this study, and simple random sampling method was the method selecting the samples. The systematic and structured questionnaire (Including SERVQUAL model and Satisfaction questionnaire) was used to accumulate the primary records. Secondary methods of data such as Articles, Journals, websites etc. were included for the accumulation of the information. Analysis Tools: Correlation has been utilized to analyze, infer and to test the hypothesis of the actual data having dependent and independent variables (categorical data). To analyse impact of SERVQUAL on customers' satisfaction multiple regression analysis has employed through SPSS-20. Findings: This Research has procreated that, majority of the respondents' age is 30 years, 72 percent were male, having less educational qualification and those were farmers. The positivity and significances in the relationship has found among all the services quality dimensions and customers' satisfaction in the urban cooperative banks. Tangible is having highest influence on customers' satisfaction followed by Assurance, Empathy, Responsiveness and Reliability. Research limitations: This work is covers only 400 respondents and limited to urban cooperative society (Bank).

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The importance of banking in an economy can never be overstated. In Kerala, the cooperative banks play a major role along with the commercial banks in catering to the finance-related needs of the society. The banking sector has undergone a flood of changes in the regulatory landscape, customer perceptions and technology-based delivery systems over the ages. The present study attempts to compare the perceived service quality among the customers of commercial and cooperative banks of the State, based on the SERVQUAL model. The study finds that the cooperative banks lag behind the commercial banks in many aspects, that there are very little avenues where they draw an equal comparison.

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The purpose of this study is to analyze the quality of service (servqual) among others empirically testing the influence of Tangible, Reliability, Responsiveness, Assurance, and Empathy on Customer Satisfaction. The population in this study is BRI Ambon Branch customers in Ambon City. The sampling method used was purposive sampling with a total sample of 91 people to be studied. The analytical tool used is a Multiple Linear Regression. The results showed that the significant influence between Tangible on Customer Satisfaction, Reliability on Customer Satisfaction, Responsiveness on Customer Satisfaction, Assurance on Customer Satisfaction and Empathy on Customer Satisfaction either simultaneously or partially.

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The banking sector is the backbone of economic development of India. Especially Urban Cooperative bank with its reach to the bottom of the pyramid gained the confidence of common people for various their financial needs. This study is aimed at finding out the difference between the customer satisfaction of Pune, Mumbai and Nagpur region concerning five aspects of banking services. It includes-Telephonic Contact, Various banking parameters, mailed statement, Banking officer behaviour and Branch aspects. This study is based on primary data. In all 40 responses from each region collected from Urban Bank customers. Random sampling method adopted for collection of the responses and MS excels used for the analysis of the collected data. The finding has shown variations in responses based on region and aspects considered for the study..

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The obvious use of gap scores is to allow the service manager to determine the current quality of service and to measure existing gaps. The basic aim of that current study is to assess the gap between service expectations and performance quality in private commercial banks in Bangladesh through the adaptation and adjustment of the Service Quality (SERVQUAL) model. The present study was conducted in January to March of 2019. A total number of 370 respondents have been fixed for the study with the application of a non-probability convenient sampling technique. A 7-point Likert scale has been employed to assess the perception of service quality in private commercial banks. Though the respondents show their satisfaction regarding the service they received from their respective banks. However, all the 22 areas under 5 dimensions of SERVQUAL model the performance of the bank has found to be inadequate in comparison to what customers expect in terms of service delivery.

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  5. Service Quality and Customer Satisfaction (The Case of Cooperative Bank

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